Nola Bank: Profitability Analysis
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As of 3Q26, from the Call Report income statement (Schedule RI), balance sheet (Schedule RC) and quarterly averages (Schedule RC-K).
In 3Q26, net income of -$2.5M for the quarter was a return on assets of -35.47%. Return on equity is not shown because the prior quarter's equity is not served. Each line below is the quarter's amount times four over average assets of $28.1M; income adds to the return and expense takes from it.
Return on assets, line by line, 3Q26
The income statement for the quarter, each line as a share of average assets. The contributions add up to return on assets.
| Line | Effect on net income | Of average assets | Contribution to return on assets | Source |
|---|---|---|---|---|
| Net interest income | +$299K | 4.25% | +4.25% | RIAD4074 |
| Noninterest income | +$0 | 0.00% | +0.00% | RIAD4079 |
| Noninterest expense | -$3.5M | 49.13% | -49.13% | RIAD4093 |
| Pre-provision net revenue | -$3.2M | -44.88% | net interest income plus noninterest income less noninterest expense | |
| Provision for credit losses | +$0 | 0.00% | -0.00% | RIADJJ33 |
| Realized gains on securities | +$0 | 0.00% | +0.00% | RIAD3521, RIAD3196 |
| Other items before tax | +$0 | 0.00% | +0.00% | RIADHT70 (remainder) |
| Income before taxes | -$3.2M | -44.88% | RIAD4301 | |
| Income taxes | +$662K | -9.41% | +9.41% | RIAD4302 |
| Discontinued operations less noncontrolling interests | +$0 | 0.00% | +0.00% | RIADFT28, RIADG103 (remainder) |
| Net income: return on assets | -$2.5M | -35.47% | RIAD4340 |
From return on assets to return on equity
| Return on assets | -35.47% | net income -$2.5M x 4 / average assets $28.1M |
|---|---|---|
| Times: average assets to average equity | — | $28.1M / average equity — (the mean of — and $25.8M at the two quarter ends) |
| Return on equity | — | not available |
The same return on equity in three factors
| Net income to revenue (how much of each dollar of revenue is kept) | -834.78% | -$2.5M / revenue $299K |
|---|---|---|
| Times: revenue to average assets (how hard the assets work) | 4.25% | revenue x 4 / $28.1M |
| Times: average assets to average equity (leverage) | — | as above |
| Return on equity | — | the product of the three |
Revenue is net interest income plus noninterest income. Income taxes were — of income before taxes. The lines add up to net income as filed. Return on assets equal the published figures on our bank pages.
1 quarters against the asset-tier median
| Quarter | ROE | ROA | Efficiency | Tier median ROE | Tier median ROA | Tier median Efficiency |
|---|---|---|---|---|---|---|
| 3Q26 | — | -35.47% | — | 8.78% | 1.03% | 68.28% |
These are the published figures on our bank pages. A dash means not reported for that quarter, or withheld because it falls outside a plausible range (for example, return on equity over negative equity). Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 3Q26
| Bank | Assets | ROE | ROA | Assets / equity | NII / AA | Fee income / AA | Expense / AA | Provision / AA | PPNR / AA | NI / revenue |
|---|---|---|---|---|---|---|---|---|---|---|
| Nola Bank (this bank) | — | -35.47% | — | 4.25% | 0.00% | 49.13% | 0.00% | -44.88% | -834.78% | |
| GS&L Municipal Bank | $28.9M | -0.08% | -0.04% | 2.10x | 2.79% | 0.00% | 0.44% | 0.00% | 2.35% | -1.38% |
| State Bank of Easton | $28.6M | 10.83% | 1.49% | 7.29x | 3.88% | 0.18% | 2.44% | 0.00% | 1.63% | 36.55% |
| Nebraska State Bank | $29.0M | 9.87% | 1.21% | 8.14x | 4.67% | 0.07% | 3.17% | 0.00% | 1.57% | 25.58% |
| The Philadelphia Trust Company | $28.4M | 20.84% | 15.14% | 1.38x | 2.89% | 47.41% | 30.09% | 0.00% | 20.22% | 30.09% |
| Saint Martin National Bank | $28.3M | 18.29% | 2.65% | 6.91x | 3.91% | 1.15% | 2.42% | 0.00% | 2.65% | 52.27% |
| The Liberty Savings Association, FSA | $28.1M | 1.16% | 0.28% | 4.10x | 3.19% | 0.04% | 2.94% | 0.00% | 0.30% | 8.77% |
| First National Bank in Tigerton | $27.7M | 6.95% | 0.96% | 7.24x | 3.87% | 0.24% | 3.08% | 0.00% | 1.03% | 23.37% |
| The First National Bank of Frederick | $27.5M | 0.00% | 0.00% | 9.04x | 2.01% | 0.19% | 2.18% | 0.00% | 0.01% | 0.00% |
| Peer 25th percentile | 0.87% | 0.21% | 3.60x | 2.87% | 0.06% | 2.36% | 0.00% | 0.85% | 6.58% | |
| Peer median | 8.41% | 1.09% | 7.07x | 3.53% | 0.18% | 2.69% | 0.00% | 1.60% | 24.47% | |
| Peer 75th percentile | 12.70% | 1.78% | 7.50x | 3.89% | 0.47% | 3.10% | 0.00% | 2.43% | 31.71% | |
| This bank's percentile | — | 0 | — | 88 | 6 | 100 | 50 | 0 | 0 |
Every bank in this table, this one included, is measured the same way for 3Q26: each income statement line for the quarter times four over its Schedule RC-K average assets. AA is average assets; PPNR is pre-provision net revenue. The percentile places this bank in the peer range, 0 the lowest and 100 the highest; for an expense or the provision, lower is better. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RI (income statement, for the single quarter), Schedule RC (equity capital) and Schedule RC-K (average total assets), as filed. Ratios are annualized as the quarter times four. The same figures are in the API at /api/v1/banks/5990713/profitability-analysis/ and in the Excel workbook. Next: the income tab, the net interest margin analysis, the credit quality analysis, the peer analysis, or the full profile.